WO2017128369A1 - 根据信用卡积分额度匹配提示方法及智能提示系统 - Google Patents

根据信用卡积分额度匹配提示方法及智能提示系统 Download PDF

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Publication number
WO2017128369A1
WO2017128369A1 PCT/CN2016/072936 CN2016072936W WO2017128369A1 WO 2017128369 A1 WO2017128369 A1 WO 2017128369A1 CN 2016072936 W CN2016072936 W CN 2016072936W WO 2017128369 A1 WO2017128369 A1 WO 2017128369A1
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credit card
credit
user
amount information
prompting
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PCT/CN2016/072936
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English (en)
French (fr)
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郭子明
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郭子明
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Priority to PCT/CN2016/072936 priority Critical patent/WO2017128369A1/zh
Publication of WO2017128369A1 publication Critical patent/WO2017128369A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the invention belongs to the field of intelligent finance, and provides a method for prompting matching according to credit card credits and a smart reminding system.
  • the embodiment of the invention provides a credit card credit quota matching prompting method and an intelligent prompting system, which can match the current credit card credit amount information of the user with the set credit card credit amount information, so that the system can timely discover the customer's credit card credits. It is already possible to carry out point redemption activities such as shopping, thereby stimulating consumption, while driving economic growth, improving the efficiency of credit card use and increasing the credit card income of bank financial institutions.
  • the present invention is implemented as follows: a method for prompting matching according to credit card credits, comprising the following steps:
  • the embodiment of the invention further provides an intelligent prompting system, comprising:
  • a recording unit configured to record the current credit card credit amount information of the user and the set credit card credit amount information
  • a reading unit connected to the output end of the recording unit, for reading the current credit card credit amount information of the user and the set credit card credit amount information;
  • the determining unit is connected to the output end of the reading unit, and is configured to determine whether the current credit card credit amount is higher than the set credit card credit amount;
  • the control unit is connected to the output end of the judging unit. If the current credit card credit amount is higher than the set credit card credit amount, the customer is prompted to perform the point redemption activity such as shopping.
  • the invention can match the current credit card credit amount information of the user with the set credit card credit amount information, so that the system can timely find out whether the customer's credit card credits can be used for shopping and other points redemption activities, thereby stimulating consumption and driving economic growth. At the same time, improve the efficiency of the use of credit cards and increase the credit card income of bank financial institutions.
  • FIG. 1 is a schematic flow chart of a method for prompting matching according to credit card credits according to an embodiment of the present invention
  • FIG. 2 is a schematic structural diagram of an intelligent prompting system according to an embodiment of the present invention.
  • figure 1 It is a schematic flowchart of a credit card integral credit matching prompting method provided by the embodiment of the present invention. For the convenience of description, only parts related to the embodiment of the present invention are shown.
  • step S101 the user's current credit card credit amount information and the set credit card credit amount information are recorded.
  • Recording the credit card credit amount information set by the user is determined by the customer according to their own card swiping situation. If the customer frequently uses the credit card and has more points, the set credit amount should be set higher, otherwise the prompt information will be received frequently. It affects normal life. If the customer does not use the credit card frequently and the points are small, the corresponding reminder amount should also be set. Because the point redemption has a limitation period, once it expires, it can no longer be used.
  • step S102 the current credit card credit amount information of the user and the set credit card credit amount information are read.
  • step S103 it is determined whether the current credit card credit amount is higher than the set credit card credit limit; if not, proceed to step S104. It is considered that the customer credit is insufficient to redeem the item and the consumption, and the information indicating that the customer has redeemed the point of the purchase or the like is not issued; if yes, the process proceeds to step S105, and the customer is prompted to perform the point redemption activity such as shopping.
  • the invention can match the current credit card credit amount information of the user with the set credit card credit amount information, so that the system can timely find out whether the customer's credit card credits can be used for shopping and other points redemption activities, thereby stimulating consumption and driving economic growth. At the same time, improve the efficiency of the use of credit cards and increase the credit card income of bank financial institutions.
  • FIG. 2 is a schematic structural diagram of an intelligent prompting system according to an embodiment of the present invention, where the smart prompting system includes:
  • the recording unit 21 is configured to record the current credit card credit amount information of the user and the set credit card credit amount information
  • Reading unit 22, and recording unit 21 The output end is connected for reading the current credit card credit amount information of the user and the set credit card credit amount information;
  • Judging unit 23, and reading unit 22 The output ends are connected to determine whether the current credit card credit amount is higher than the set credit card credit amount;
  • Control unit 24, and judgment unit 23 The output ends are connected. If the current credit card credit amount is higher than the set credit card credit amount, the customer is prompted to perform the point redemption activity such as shopping.
  • the working principle is: the recording unit 21 records the current credit card credit amount information of the user and the set credit card credit amount information; the reading unit 22 Reading the current credit card credit amount information of the user and the set credit card credit amount information; the determining unit 23 determines whether the current credit card credit amount is higher than the set credit card credit amount; the adjusting unit 24 When the current credit card credit amount is higher than the set credit card credit amount, a message prompting the customer to perform a point redemption activity such as shopping is issued.
  • the invention can match the current credit card credit amount information of the user with the set credit card credit amount information, so that the system can timely find out whether the customer's credit card credits can be used for shopping and other points redemption activities, thereby stimulating consumption and driving economic growth. At the same time, improve the efficiency of the use of credit cards and increase the credit card income of bank financial institutions.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
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Abstract

一种根据信用卡积分额度匹配提示方法及智能提示系统，所述方法包括：记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息（S101）；判断当前信用卡积分额度是否高于设定的信用卡积分额度（S103）；若否，视为客户积分不足以兑换物品和进行消费，不发出提示客户进行购物等积分兑换的信息（S104）；若是，发出提示客户进行购物等积分兑换活动的信息（S105）。通过将用户当前信用卡积分额度信息和设定的信用卡积分额度信息相匹配，所述系统能够及时发现客户的信用卡积分是否已经可以进行购物等积分兑换活动，进而刺激消费，在拉动经济增长的同时，提高信用卡的使用效率，提升银行金融机构的信用卡收益。

Description

根据信用卡积分额度匹配提示方法及智能提示系统 技术领域
本发明属于智能金融 领域 ，提供了一种根据信用卡积分额度匹配提示方法及智能提示系统。
背景技术
现在信用卡已经成为人们日常生活中重要的支付手段，使用信用卡支付便捷，不用找零，不会担心自己钱包被大量零碎散钱占用大量空间，不仅影响着装，也容易成为小偷的觊觎。各家银行为促进客户多使用该行的信用卡，推出了大量的信用卡积分换物品，或者积分购物，或者积分打折等诸多促销活动，不但能够降低用户的生活成本，刺激消费，提升信用卡使用率，实现客户与银行的双赢，但是在现实中，因为用户因为工作的繁忙，很难顾及信用卡积分的多少，没有时间和精力去兼顾积分的多少，是否能够进行积分兑换或购物，错失购物良机，无形中增加了生活成本。
对于银行而言，积分策略虽然是对客户的让利，但在本质上是一种有效的吸引顾客的手段，积分的频繁使用可以加大本行信用卡的使用次数，增加超短期贷款的收益，是信用卡非常重要的盈利方式，如果顾客不能及时发现积分，使用积分，即便做了再多的促销活动，也只是浪费成本，并不能产生实质性的收益，也难以达到提升客户体验，增加客户粘性的预期效果。
综上，亟需通过一种发明，让系统能够及时发现客户的信用卡积分是否已经可以进行购物等积分兑换活动，进而刺激消费，在拉动经济增长的同时，提高信用卡的使用效率，提升银行金融机构的信用卡收益。
 技术问题
本发明实施例提供了一种根据信用卡积分额度匹配提示方法及智能提示系统，能够通过将用户当前信用卡积分额度信息和设定的信用卡积分额度信息相匹配，让系统能够及时发现客户的信用卡积分是否已经可以进行购物等积分兑换活动，进而刺激消费，在拉动经济增长的同时，提高信用卡的使用效率，提升银行金融机构的信用卡收益。
技术解决方案
本发明是这样实现的：一种根据信用卡积分额度匹配提示方法，包括以下步骤：
记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
判断当前信用卡积分额度是否高于设定的信用卡积分额度；
若否，视为客户积分不足以兑换物品和进行消费，不发出提示客户进行购物等积分兑换的信息；
若是，发出提示客户进行购物等积分兑换活动的信息。
本发明实施例还提供了一种智能提示系统，包括：
记录单元，用于记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
读取单元，与记录单元的输出端相连接，用于读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
判断单元，与读取单元的输出端相连接，用于判断当前信用卡积分额度是否高于设定的信用卡积分额度；
调控单元，与判断单元的输出端相连接，若当前信用卡积分额度高于设定的信用卡积分额度，则发出提示客户进行购物等积分兑换活动的信息。
 有益效果
该发明能够通过将用户当前信用卡积分额度信息和设定的信用卡积分额度信息相匹配，让系统能够及时发现客户的信用卡积分是否已经可以进行购物等积分兑换活动，进而刺激消费，在拉动经济增长的同时，提高信用卡的使用效率，提升银行金融机构的信用卡收益。
附图说明
图 1 是本发明实施例提供的一种根据信用卡积分额度匹配提示方法 的流程示意图 ；
图 2 是本发明实施例提供的智能提示系统的结构示意图。
 本发明的实施方式
为了使本发明的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本发明进行进一步详细说明。应当理解，此处所描述的具体实施例仅仅用以解释本发明，并不用于限定本发明。
图 1 是发明实施例提供的一种根据信用卡积分额度匹配提示方法的流程示意图，为了便于说明，只示出了与本发明实施例相关的部分。
在步骤 S101 中，记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息。
记录用户设定的信用卡积分额度信息，是由客户根据自身的刷卡情况而确定，如果客户经常使用信用卡，积分较多，就应该设定的提示积分额度较高，否则将会经常收到提示信息，影响正常生活，如果客户不经常使用信用卡，积分较少，也应设置相应的提示额度，因为积分兑换都有时效期，一旦过期便不能再使用。
在步骤 S102 中，读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息。
在步骤 S103 中，判断当前信用卡积分额度是否高于设定的信用卡积分额度；若否，进入步骤 S104 ，视为客户积分不足以兑换物品和进行消费，不发出提示客户进行购物等积分兑换的信息；若是，进入步骤 S105 ，发出提示客户进行购物等积分兑换活动的信息。
该发明能够通过将用户当前信用卡积分额度信息和设定的信用卡积分额度信息相匹配，让系统能够及时发现客户的信用卡积分是否已经可以进行购物等积分兑换活动，进而刺激消费，在拉动经济增长的同时，提高信用卡的使用效率，提升银行金融机构的信用卡收益。
图 2 是本发明实施例提供的一种智能提示系统的结构示意图，该智能提示系统包括：
记录单元 21 ，读取单元 22 ，判断单元 23 ，调控单元 24 ，其中
记录单元 21 ，用于记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
读取单元 22 ，与记录单元 21 的输出端相连接，用于读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
判断单元 23 ，与读取单元 22 的输出端相连接，用于判断当前信用卡积分额度是否高于设定的信用卡积分额度；
调控单元 24 ，与判断单元 23 的输出端相连接，若当前信用卡积分额度高于设定的信用卡积分额度，则发出提示客户进行购物等积分兑换活动的信息。
其工作原理是：记录单元 21 记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；读取单元 22 读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；判断单元 23 判断当前信用卡积分额度是否高于设定的信用卡积分额度；调控单元 24 在当前信用卡积分额度高于设定的信用卡积分额度时，发出提示客户进行购物等积分兑换活动的信息。
该发明能够通过将用户当前信用卡积分额度信息和设定的信用卡积分额度信息相匹配，让系统能够及时发现客户的信用卡积分是否已经可以进行购物等积分兑换活动，进而刺激消费，在拉动经济增长的同时，提高信用卡的使用效率，提升银行金融机构的信用卡收益。
以上仅为本发明的较佳实施例而已，并不用以限制本发明，凡在本发明的精神和原则之内所作的任何修改、等同替换和改进等，均应包含在本发明的保护范围之内。

Claims (2)

  1. 一种根据信用卡积分额度匹配提示方法，其特征在于，所述方法包括如下步骤：
    记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
    读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
    判断当前信用卡积分额度是否高于设定的信用卡积分额度；
    若否，视为客户积分不足以兑换物品和进行消费，不发出提示客户进行购物等积分兑换的信息；
    若是，发出提示客户进行购物等积分兑换活动的信息。
  2. 一种智能提示系统，其特征在于，所述智能提示系统包括：
    记录单元，用于记录用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
    读取单元，与记录单元的输出端相连接，用于读取用户当前信用卡积分额度信息和设定的信用卡积分额度信息；
    判断单元，与读取单元的输出端相连接，用于判断当前信用卡积分额度是否高于设定的信用卡积分额度；
    调控单元，与判断单元的输出端相连接，若当前信用卡积分额度高于设定的信用卡积分额度，则发出提示客户进行购物等积分兑换活动的信息。
PCT/CN2016/072936 2016-01-30 2016-01-30 根据信用卡积分额度匹配提示方法及智能提示系统 WO2017128369A1 (zh)

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Publication number Priority date Publication date Assignee Title
CN1936979A (zh) * 2005-09-21 2007-03-28 冲电气工业株式会社 自动交易装置及自动交易系统
CN101414371A (zh) * 2007-10-15 2009-04-22 中国工商银行股份有限公司 一种对银行卡积分进行处理的系统和方法
KR20090107226A (ko) * 2008-04-08 2009-10-13 김선권 각종 회원카드 적립 포인트를 즉시현금으로 환전하는시스템
CN102436628A (zh) * 2012-01-06 2012-05-02 田金平 商业银行积分管理系统及其方法
JP2013254323A (ja) * 2012-06-06 2013-12-19 Kc Card Co Ltd クレジットカードのポイント交換システム
CN104408647A (zh) * 2014-11-29 2015-03-11 深圳市无微不至数字技术有限公司 积分兑换方法、装置及系统
CN104835056A (zh) * 2015-03-28 2015-08-12 广东欧珀移动通信有限公司 信息推送方法及信息推送系统

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN1936979A (zh) * 2005-09-21 2007-03-28 冲电气工业株式会社 自动交易装置及自动交易系统
CN101414371A (zh) * 2007-10-15 2009-04-22 中国工商银行股份有限公司 一种对银行卡积分进行处理的系统和方法
KR20090107226A (ko) * 2008-04-08 2009-10-13 김선권 각종 회원카드 적립 포인트를 즉시현금으로 환전하는시스템
CN102436628A (zh) * 2012-01-06 2012-05-02 田金平 商业银行积分管理系统及其方法
JP2013254323A (ja) * 2012-06-06 2013-12-19 Kc Card Co Ltd クレジットカードのポイント交換システム
CN104408647A (zh) * 2014-11-29 2015-03-11 深圳市无微不至数字技术有限公司 积分兑换方法、装置及系统
CN104835056A (zh) * 2015-03-28 2015-08-12 广东欧珀移动通信有限公司 信息推送方法及信息推送系统

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